Credit Reference Agencies - Who Really Uses Who? II

UsetheFORCE

sfax wrote: »

Try to cancel Equifax, they'll then offer you a £3.49/month sub (I only pay this for full sub). Cancel Experian and just get your £2 from them every now and again. Noddle is free. £35/month is insane

Good luck

I am using https://www.privacyguard.co.uk which sources it's information from Experian. Currently on a free trial but only £6.99 a month, so will consider this when I need to view Experian rather than paying £14.99 direct!!

sscott5581

sscott5581 wrote: »

v12 finance search Callcredit - report to Experian, no accounts appeared (as yet) with other two CRA's will update if they do report.

Update

report to Callcredit, no account showing with Equifax as yet

lisaj33

Tesco also search call credit as well for credit cards. I had a refusal and when they sent the letter last week it said they had searched Experian and Call credit.

honeybea

Hi, I was checking this thread yesterday night to see who RBS and Natwest use as I was going to apply for a mortgage today. I can confirm that RBS (and presumably Natwest too as they're the same company for mortgages) use EQUIFAX only. I asked the mortgage adviser that specific question when he said that he would now do a credit check. I was very worried because unlike my Experian score, my EQUIFAX is not excellent but he said that I passed (yay!). I hope this is it. They're not going to check again, are they???
Anyway, HTH :-)

lisaj33

I thought RBS/Natwest checked all 3

stclair

lisaj33 wrote: »

I thought RBS/Natwest checked all 3

They only search experian & equifax but report to all three.

Buzby

stclair wrote: »

They only search experian & equifax but report to all three.

Which is odd.

The reason why CRA's made inroads to scooping up clients is because they require firms seeking information on consumers to also provide data. If they report to all three, then they have access to al three.

What makes you think they're not gong to get their money's worth?

Bosie

UNDERGROUND wrote: »

Hi Bosie

Thanks for the info. I'm assuming when you say M&S Bank you are referring to their current account product? If so, this is powered by HSBC but I have created a separate entry within current accounts to make it easier to find.

Regards
UNDERGROUND

Hi UNDERGROUND, sorry a bit late seeing this post, yes the M&S bank account. I was surprised the energy company did a full credit check, that was SSE? That's a first credit check for energy, they didn't mention it on their form!

stclair

Buzby wrote: »

Which is odd.

The reason why CRA's made inroads to scooping up clients is because they require firms seeking information on consumers to also provide data. If they report to all three, then they have access to al three.

What makes you think they're not gong to get their money's worth?

I would assume its a business decision not to use them for credit searching purposes.

iAMaLONDONER

UNDERGROUND wrote: »

Indeed, the posts are updated whenever I spot new info in the thread

So keep it coming!

UNDERGROUND

Good to hear mate!